Not Waiting Until 2014 to Clean My Financial House

            I transferred some money from my savings to my checking to payoff my Perkins student loan. I figured that I had the money why wait until 2014 to pay it off.  Furthermore, it would decrease my indebtedness, increase my creditworthiness, receive a payoff letter that I can send to all three credit bureau, and help my 2013 tax situation. 

The momentum I created today won’t stay in 2013. It would continue well into 2014 because I aim to payoff another student loan.  I have already decided to pay money each paycheck to accelerate my repayment. I will be done by July 1, 2014.  When I receive my state and federal tax refunds, I will use these funds to pay down my debt. Improving my finances are a 2014 resolution.  Even if it means my missing NBA All-Star then so be it because my credit rating matters more.

New Year's Day 2013: Creating a Financial Legacy

My aunt called asking if I cooked greens and black-eyed peas for good luck this New Year.  I said ‘No, but I paid all of my January bills in December.’  It just hit me that financial empowerment will be my family contribution.  It is essential to make the same effort to retain a good rating as it is to keep traditions alive.  This 2013 I will see my second promotion this April, earn my PMP certification after taking off 2012 to adjust to my new job, and work on launching my own t-shirt line and pop-up shop business. All of these objectives are financial-related.  I guess that I have broken out of the whole ‘good-job’ mentality and evolved into creating a tangible financial legacy.